Most lenders hand you a rate and a phone number. We hand you the whole method — every step named, every timeline stated. Purchase, refinance, and the programs the big banks won't touch.
5.0 68 Google reviews · AustinIllustrative amortisation for a 30-year fixed loan. Not a quote, an offer, or a commitment to lend. Your schedule will differ.
A bank reads one file one way. We read it four. Watch a specimen come in on the left — and the structure it actually belongs in light up on the right.
Prefer to skip the form? Go straight to the application. Submitting does not create a loan application and is not a commitment to lend. We’ll only use your details to contact you about your inquiry.
Six structures. Scroll sideways.
Conventional financing for primary residences, second homes and investment property — with pre-approval that listing agents take seriously.
Explore →Rate-and-term, cash-out, and consolidation. We model the break-even honestly and tell you when the answer is to do nothing.
Explore →Thirty years of certainty, or a lower start with a defined adjustment window. Which is right depends on how long you'll actually stay.
Explore →Lower down payments, flexible credit thresholds, and the VA benefit earned through service — handled by people who have closed hundreds.
Explore →For business owners whose tax returns understate what they actually earn. Deposits tell the truer story.
Explore →Investment lending qualified on the property's own income rather than yours — plus short-term capital when the timeline is the constraint.
Explore →No email gate, no “get your results,” no salesperson. You set every assumption — including the rate — and the math updates as you go.
For illustration only. This is not a loan offer, a rate quote, or a commitment to lend, and it does not constitute pre-approval. Figures assume homeowner's insurance at 0.35% of purchase price annually. Below 20% down they also assume conventional mortgage insurance at 0.65% of the loan amount annually — real pricing ranges roughly 0.5% to 1.1% depending on your loan-to-value and credit, and mortgage insurance normally ends once you reach 78% loan-to-value, which this estimate does not model. Figures exclude HOA dues and closing costs. Your actual payment will differ. All loans are subject to credit approval, underwriting and appraisal.
Self-employed, investing, or simply outside a template — there is usually a structure that fits. Finding it is the entire job.
Six stages, start to keys — with the delays named and the timelines stated. We wrote the whole thing out, because nobody else does.
Beliefs that cost Texas buyers real money. Most were accurate twenty years ago and simply never got updated.
Not a queue, not a call center, not whoever picks up. One loan officer owns your file from application to funding, and you have their number.
Financing is half of it. If you don’t already have someone representing you, we’ll introduce you to an agent we actually work with — not a name off a list.
We share ownership with Sprout Realty, an ERA-powered brokerage in Austin, and we partner with brokerages across Texas. Either way the introduction costs you nothing and you are never obligated to use them.
Introductions are made as a courtesy. Loan Lab Lending does not require you to use any particular real estate agent, and using one is not a condition of any loan.
Unedited, from our Google profile. Read all of them there — we don’t pick and choose which ones you see.
“Got the deal done on time, and it was not an easy one! I found Taylor and his team to be excellent communicators and diligent in their work. Thank you, Taylor. Would absolutely recommend y’all!”
“I never felt like just another file number — they treated my loan like it truly mattered to them. Exceptional communication, expertise, and dedication to customer service.”
“We had a great experience with this lender. The closing process was smooth and stress-free, communication was excellent, and the team was professional and efficient throughout. Highly recommend!”
“Quiero dar las gracias a la señorita Yahaira Tejeda por ayudarnos con la compra de nuestra casa… recomiendo ampliamente a Yahaira para quien quiera comprar su casa.”
“Taylor Gardner was a pleasure to work with. I greatly appreciated the regular updates on the buyer’s lending process. It added confidence to the closing!”